Minimum Variance Portfolio A

for period ending January 31, 2019

This portfolio recipe is provided by VizMetrics. t.mvar is the Recipe ID for this portfolio recipe. This Recipe ID appears in the scatterplots below and on the Summary Page showing all portfolio recipes. You can invest in this portfolio recipe using the "Minimum Variance Portfolio A" Ready-to-Go Folio at FolioInvesting.com. See How to Invest (below) for more details on how buy this portfolio recipe.

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Description Minimum Variance Portfolio A gives investors access to a dynamic portfolio that uses an asset allocation algorithm that minimizes portfolio variance while also maximizing total return. This portfolio recipe uses exchange-traded funds and uses a dynamic asset allocation algorithm to minimize the portfolio's variance while also maximizing total return.

Ingredients used This portfolio recipe invests in exchange-traded funds (ETFs) chosen from a set of 8 possible asset class ETFs. The percentage allocation (i.e., weighting) to each of the chosen ETFs is selected using the algorithm for this portfolio recipe.

Peer Group Tactical: DIY

Tactical: This is a Tactical (i.e., dynamic, active) portfolio that is updated at the beginning of each calendar month. Tactical means that the ingredients and allocation to each ingredient can change every month. This portfolio recipe is updated monthly to reflect the new allocation.

You can see how this recipe has performed compared to its peers by clicking on any "Rank: Group" link in the Compare sections, below.

Methodology This portfolio recipe is created using an algorithm that chooses the ingredients and weightings for each of the asset class ETFs in this portfolio recipe. The Minimum Variance Portfolio A uses a tactical (also called "dynamic" or "active") asset allocation approach. This portfolio recipe is allowed to choose from 8 ETFs that represent major asset classes. The steps to create this portfolio are as follows:

VizMetrics chooses the set of possible asset classes that will be used for this Folio's asset allocation, which are the following: U.S. Large Cap Equity, U.S. Small Cap Equity, NASDAQ 100 Equity, U.S. Real Estate, U.S. Long Term Treasury Bonds, Emerging Markets Equity, International Developed Markets Equity, and Gold.

VizMetrics chooses one ETF to represent each asset class, based on liquidity, history, and cost considerations. The ETFs chosen to represent the asset classes are as follows: SPY, IWM, QQQ, IYR, TLT, EEM, EFA, GLD.

VizMetrics determines the weighting (% allocation) for each asset class ETF based on the chosen asset allocation.

Cost Access to this portfolio recipe is included at no extra charge as part of your VizMetrics Investor subscription. You can invest in this portfolio recipe using the Recipe Ingredients listed below at FolioInvesting.com or your favorite brokerage. This portfolio works with the Folio Unlimited Plan at FolioInvesting.com which allows you to purchase and rebalance all the underlying ETFs in one simple transaction. See How to Invest, below.

Recipe ingredients for this portfolio recipe appear on this page only if you have subscribed to VizMetrics Investor. Upgrade your subscription to see the full list of recipe ingredients and % allocation to each ingredient.

Once you have subscribed to VizMetrics Investor, you can invest using this portfolio recipe with a "ready-to-go" Folio at FolioInvesting.com. Buy and rebalance with just a few clicks.

Update frequency: The recipe for this portfolio can change monthly. In other words, the ingredients and percentage allocation to each ingredient can change at the beginning of each month. Therefore, this portfolio requires a few minutes each month to buy or sell the ingredients to match the updated portfolio recipe.

Where to get the recipe updates&nsbp;&nsbp;This portfolio recipe is available to VizMetrics Investor subscribers. Upgrade your subscription. After subscribing, the exact recipe (ingredient plus percentage allocation to each ingredient) appears on this page under a new section labelled "Recipe ingredients"Rebalancing stepsIf you've invested with this recipe (using the "recipe ingredients for FolioInvesting.com" above), you can quickly rebalance each month using the automated tools at FolioInvesting.com. See How to rebalance your portfolioIf you've invested at another brokerage, you need to update this portfolio each month to adhere to this portfolio's recipe. See How to rebalance your portfolio